Does insurance cover drug rehab?

Once you finally need it, you may ask: Does insurance cover drug rehab? Whether voluntary or through a court order, somebody will need to pay for your drug rehab stay. There are many medical insurance plans that cover rehab, but you will need to look into the fine details to know for sure.

Some employers will also cover substance abuse treatment in the case of emergencies. Depending on their policy terms, they may also hold the jobs for when the employee gets released from care. Continuous compensation may also be guaranteed for the duration of treatment, but you must check with the human resource department for clarity.

Medical insurance has viewed this in a controversial manner historically. Treating drug addiction was seen as a frivolous cause up until recent years. The medical community now is in agreement that drug addiction has a chemical and possible genetic components. Most addictions are at least covered partially by most insurance plans, but seldom do you find plans footing the entire bill.

Obviously, we individuals have personal responsibility for their own lives and excessive drug usage will only decrease longevity. Insurance companies do not like to see such risky behavior, which is why drug rehab wasn’t covered before. Now insurance companies have the attitude that drug rehabilitation is a form of preventative medicine. Once the drug addiction is quashed, secondary diseases will not arise and will keep overall medical costs down.

Insurance companies must all take a moral standpoint, now that drug rehabilitation is seen as a positive change by society. Encouraging patients to live healthier lifestyles by subsidizing their addiction quitting efforts will make everybody a winner in this scenario.

For low uncovered individuals, some facilities are partially subsidized by the government. These facilities may also commonly be used by low-income individuals obliging a court order. Specific guidelines are put in place for maximum income, so those that can afford private insurance are unlikely to qualify for subsidized options.

Nonprofit organizations are also a source of funding for drug addiction treatment. Such organizations may be affiliated with certain rehab centers and offer patients minimal treatment to keep it affordable. Treatment plans may also be at a reduced price, varying based on the receiver’s income.

Treating your drug problem is a dire matter, so worrying about finances should be a low priority. Arranging for treatment, only to find out that you will not be covered will only give your brain more excuses to stick to old habits. Being nailed down by substance dependence is a lot worse than racking up medical debts. Please reach out to friends or family members to bring you to the help you need. Untreated disorders will only send your life in a downward spiral, so disregard your finances in this material world.